« Homeowners & Renters Insurance
of Construction: Frame houses usually cost more to insure than
Age of House: New homes may qualify for
discounts. Older homes may not qualify for preferred programs. Older
homes are usually required to have updated heating, plumbing, wiring
Local Fire Protection: Your homes
distance from a fire hydrant and the quality of your local fire
department determine your fire protection class.
Amount of Coverage: The amount of coverage
you buy for your house, contents and personal liability will affect
the price you pay.
Deductible Amount: Your choice of a higher
deductible will reduce the price for homeowners insurance.
Discounts: Insurers offer lower prices
for such things as insuring your home and car with the same company
and installing dead-bolt locks or alarm systems.